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Microloan Business loans

Up to 2 000 000 soms/rubles or 20 000 USD/EUR
for business development and agricultural purposes
to 36 months
In KGS, RUB from 22%, in USD, EUR from 15%
Interest rate

Bakai Bank Microloan is suitable for entrepreneurs and companies that have been on the market for more than 6 months. The bank also finances start-ups in case the client covers 70% of the financing plan on his/her own.

Amount: from 7,001 USD, EUR / 500,001 soms, rubles to 20,000 USD, EUR / to 2 000,000 soms, rubles

Term: 6 months to 36 months

Early repayment commission - free,

Rate in soms Rate in US dollars 
from 22% to 24%from 15% to 25%

The interest rate is set for each project separately  where the history of cooperation between the bank and the borrower, banking products used by the borrower, loan terms and collateral are all taken into consideration. 

*Effective interest rate: in soms from 22% per annum, in U.S. dollars from 15% per annum.


Loan for business purposes 

  1. Purchase of goods, fabric, consumables and other current assets
  2. Purchase of business premises, equipment, vehicles, furniture, computers and other fixed assets
  3. Repair of premises and equipment
  4. Refinancing other loans and private borrowings
  5. Investments for expansion, diversification of business
  6. Other purposes in accordance with the Bank's requirements (consult with a loan officer)

Bakai Bank - a caring partner for your business

Individual approach

Fast application turnaround

Payment schedule based on specifity of your business 



  • Monthly, principal and interest in annuity payments
  • Monthly, the main debt in equal installments, interest based on loan usage after the fact 
  • Flexible schedule (in some cases), principal and interest depending on the seasonality of the business in question
  • By the decision of the Bank is granted a grace period of up to 3 months for principal repayment without lump-sum repayment at the end of the term.

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Loan amount

Amount not selected

Interest rate

28 %

Monthly payment


Total repayment


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